Credit Operations Flood Specialist

GENERAL DESCRIPTION OF POSITION

The Credit Operations Flood Specialist reviews new and existing loan files and ensures that all flood insurance requirements are met.

ESSENTIAL DUTIES AND RESPONSIBILITIES

1. Prepares and reviews flood insurance calculations. This duty is performed daily, about 20% of the time.

2. Reviews flood insurance policies and verifies appropriate flood insurance coverage exists and is properly documented for all loans. This duty is performed daily, about 20% of the time.

3. Identifies potential risk exposures and needs for flood coverage. This duty is performed daily, about 20% of the time.

4. Communicates with lending or other bank staff on flood insurance-related questions or topics. This duty is performed daily, about 10% of the time.

5. Adheres to the bank policies and procedures while working on daily tasks related to flood insurance. This duty is performed daily, about 20% of the time.

6. Ensures that loans comply with all regulatory requirements. This duty is performed daily, about 10% of the time.

7. Completes required BSA/AML training and other compliance training as assigned. This duty is performed quarterly.

8. Works in a constant state of alertness and in a safe manner. This duty is performed daily.

9. Performs any other related duties as required or assigned.

QUALIFICATIONS

To perform this job successfully, an individual must be able to perform each essential duty mentioned satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required.

EDUCATION AND EXPERIENCE

High school or GED, plus specialized schooling and/or on the job education in a specific skill area, e.g., data processing, clerical/administrative, equipment operation, etc., plus 19 to 23 months related experience and/or training, and 1 to 6 months related management experience, or equivalent combination of education and experience.

COMMUNICATION SKILLS

Ability to effectively communicate information and respond to questions in person-to-person and small group situations with customers, clients, general public and other employees of the organization.

MATHEMATICAL SKILLS

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. Ability to compute rate, ratio, and percent and to prepare and interpret bar graphs.

CRITICAL THINKING SKILLS

Ability to solve practical problems and deal with a variety of known variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, or diagram formats.

REQUIRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

PREFERRED CERTIFICATES, LICENSES, REGISTRATIONS

Not indicated.

SOFTWARE SKILLS REQUIRED

Advanced: Word Processing/Typing

Intermediate: 10-Key, Spreadsheet

Basic: Accounting, Alphanumeric Data Entry, Contact Management, Database

WORKING CONDITIONS

Periodically exposed to such elements as noise, intermittent standing, walking, pushing, carrying, or lifting; but none are present to the extent of being disagreeable.

ENVIRONMENTAL CONDITIONS

The following work environment characteristics described here are representative of those an employee encounters while performing essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

 The noise level in the work environment is usually moderate.

PHYSICAL ACTIVITIES

The following physical activities described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions and expectations.

Semi-repetitive, low physical. Semi-repetitive type work which requires periods of concentration for varied time cycles as prescribed by the tasks.

While performing the functions of this job, the employee is continuously required to walk, sit, use hands to finger, handle, or feel, talk, or hear; occasionally required to stand, stoop, kneel, crouch, or crawl. The employee must occasionally lift and/or move up to 25 pounds. Specific vision abilities required by this job include close vision.

ADDITIONAL INFORMATION

-Nineteen (19) months of related experience and/or training

-Proficiency in the use of computers

-Must have keen attention to detail

-Ability to multi-task and prioritize

-Ability to work under time constraint

Qualifications Education Preferred High School or better. Equal Opportunity Employer/Protected Veterans/Individuals with Disabilities
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